MoneyMeMoneyMe Personal Loan
Unsecured variable-rate personal loan from $5,000 to $70,000 over 3 to 7 years, applied for directly with MoneyMe. Rates are personalised to your Equifax OneScore credit band, residential status and customer type. Suitable for a range of purposes including debt consolidation.
At a glance
- Pricing
- Rates on application
- Variable
- 6.24%, 6.95% comparison
- Loan size
- $5,000 to $70,000
- Upfront fee
- $0
- Monthly fee
- $10
Rates
Every rate MoneyMe publishes for this personal loan, 10 in all.
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| VariableCredit band A1+ (Equifax OneScore 950-2000). Minimum variable rate for this band is 6.24% p.a. The advertised comparison rate of 6.95% p.a. corresponds to this rate, based on a $30,000 loan over 5 ye… | P&I | - | - | 6.24% | 6.95% | - |
| VariableCredit band A1 (Equifax OneScore 800-949). Minimum variable rate for this band is 10.41% p.a. Rates within this band vary by residential status and customer type. Your actual rate is determined at ap… | P&I | - | - | 10.41% | - | - |
| VariableCredit band A2 (Equifax OneScore 650-799). Minimum variable rate for this band is 12.57% p.a. Rates within this band vary by residential status and customer type. Your actual rate is determined at ap… | P&I | - | - | 12.57% | - | - |
| VariableCredit band A1+ (Equifax OneScore 950-2000). Maximum variable rate for this band is 12.83% p.a. Rates within this band vary by residential status and customer type. Your actual rate is determined at… | P&I | - | - | 12.83% | - | - |
| VariableCredit band A3 (Equifax OneScore 550-649). Minimum variable rate for this band is 14.95% p.a. Rates within this band vary by residential status and customer type. Your actual rate is determined at ap… | P&I | - | - | 14.95% | - | - |
| VariableCredit band A1 (Equifax OneScore 800-949). Maximum variable rate for this band is 15.63% p.a. Rates within this band vary by residential status and customer type. Your actual rate is determined at ap… | P&I | - | - | 15.63% | - | - |
| VariableCredit band A4 (Equifax OneScore 400-549). Minimum variable rate for this band is 17.52% p.a. Rates within this band vary by residential status and customer type. Your actual rate is determined at ap… | P&I | - | - | 17.52% | - | - |
| VariableCredit band A2 (Equifax OneScore 650-799). Maximum variable rate for this band is 18.60% p.a. Rates within this band vary by residential status and customer type. Your actual rate is determined at ap… | P&I | - | - | 18.60% | - | - |
| VariableCredit band A3 (Equifax OneScore 550-649). Maximum variable rate for this band is 21.10% p.a. Rates within this band vary by residential status and customer type. Your actual rate is determined at ap… | P&I | - | - | 21.10% | - | - |
| VariableCredit band A4 (Equifax OneScore 400-549). Maximum variable rate for this band is 26.35% p.a. The advertised comparison rate of 27.74% p.a. corresponds to this rate, based on a $30,000 loan over 5 ye… | P&I | - | - | 26.35% | 27.74% | - |
Fees
4 fees published, grouped by when they're charged.
- When you take it outUp to $4953 fees, each listed below
- While you hold it$10 a monthMonthly account fee
- When you close it or pay it offNo fee published
When you take it out3
- Establishment fee (excellent credit profile)
The establishment fee is waived ($0) for applicants assessed as having an excellent credit profile at application time.
No fee - Establishment fee (loans over $15,000)
One-off establishment fee of $495 for loan amounts over $15,000. Waived to $0 for applicants with an excellent credit profile.
$495 - Establishment fee (loans up to $15,000)
One-off establishment fee of $395 for loan amounts of $15,000 or less. Waived to $0 for applicants with an excellent credit profile.
$395
While you hold it1
- Monthly account fee
Account-keeping fee of $10 charged monthly. No early repayment or exit fee applies.
$10 a month
Features
Eligibility and limits
- Minimum age 18
- Residency: Australian citizen or permanent resident
- Employment: Must be currently employed
- Minimum income $30,000
- Available to individuals
- Amount $5,000 to $70,000
- Minimum Equifax OneScore of 400 is required. Applications are subject to MoneyMe's credit assessment criteria.
- Loan terms from 3 years (P3Y) to 7 years (P7Y).
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Published by MoneyMe under the Consumer Data Right, last changed by them on 8 Oct 2026. Figures are shown as the institution publishes them and can change without notice; confirm on their site before applying. The Finance Algorithm earns nothing from any product listed here.